Beating a Credit Card Shutdown via CFPB Complaint, Even More Miles for Delta Amex, and Coin Finally Arrives

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About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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  1. Today, WSJ has an article, What Gate Agents Really Think, in the D section. The byline author is Scott McCartney with an emphasize on O’Hare. Two things that l learned, was that United isn’t charitable to flyers and some flyers have adopted the attitude that they are VIP.

  2. I suspect that the chip and pin rumor may be wrong. Just because you are prompted to pick a pin doesn’t mean it will work for purchases. Many cards have you pick a pin so you can get cash advances at atm’s.

  3. @DaninMCI

    I don’t know if you read the linked article, but the screen shots clearly show the card is Chip and Pin.

  4. The Aviator Red is not true Chip+PIN. The CVM list for the Aviator Red Card is as follows:
    1: Signature
    2: Enciphered PIN verified online
    3: Enciphered PIN verified by ICC
    4: Plaintext PIN verified by ICC
    5: No CVM required

    This means that if the POS unit supports Signature, it will prompt for a Signature (supermarket self-check out included). If the POS does not support signature, it will prompt for PIN (first verified online, then off the chip). If the POS does not support any of those methods, it will drop to No CVM (No Cardholder Verification), and if the POS does not support that either, it will fail the transaction.

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